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Regular Contributor
boonelb
Posts: 146
Registered: ‎01-24-2012

Re: Walmart TU scores are updated

I am jealous.  I am only up 6 points from last month and its only cause of low util and 2 of my student loans reporting as current pay as agreed.  my baddies arent going anywhere cause I dont have the money to pfd or anythin else with them

Frequent Contributor
jasimae
Posts: 311
Registered: ‎07-18-2011

Re: Walmart TU scores are updated

I'm up 15 points to 690! Sooo close to 700 I can taste it. After doing a settlement for an old repo with a collection agency, I thought that would reflect a zero balance thus boosting my score. But when I checked my reports and notice tht the remaining balance was still showing I phoned NMAC and was told that they will alwys report the balance regardless of what offer is given by the CA. So now I still have to pay off the balancejust so it won't reflect negatively. That is seriously holding down my score. I should have been well into the 700s already. The only good thing is NMAC said that once it gets paid to zero in their records they will update all reports as if the tradeline never went delinquent at all. So at least that's something to look forward to and I should see a tremendous score increase.
Established Member
creditnoob
Posts: 27
Registered: ‎01-07-2012

Re: Walmart TU scores are updated

I saw this thread last night so I logged  into my walmart account, eager to see my new score and I was happy to see I had gotten an auto CLI!

My limit went from $700 to $900, only a $200 increase, but it was still a nice surprise. 

 

Then I went to check my fico score and it went up to 726! 

So then I log into my husbands walmart account to check his fico and his score went up 30 points to 763!!!!!!

 

We are so excited! We feel like we are finally on the right track with our credit.

I might not post here much but I have been reading these forums a lot and have been learning so much. Thank you all!

EQ 1/21/12 - 672 (FICO purchased from equifax.com)
TU 1/5/12 - 704 (FICO from walmart)
EX 1/21/12 - 715 (FAKO from experian.com)

EX FAKO from Credit Sesame 1/3/12 - 707
TU FAKO from Credit Karma 1/21/12 - 667

Amex Zync(NPSL) - Barclay Apple Visa($1200) - Citi Plat Select MC($1000) - Chase Amazon Visa($500) - Best Buy MC($600) - Cap One Plat MC($300) - Walmart Store Card($700)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Walmart TU scores are updated

Congrats Creditnoob on the CLI and score increase!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
emptypockets
Posts: 934
Registered: ‎02-03-2009

Re: Walmart TU scores are updated

I am up 6 pts to 749. Will continue to garden for next 3 months, going to close Cap One , and try for CLIs on a couple other cards.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (6/2/2014): 817; EX (6/14): 775
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Walmart TU scores are updated


emptypockets wrote:
I am up 6 pts to 749. Will continue to garden for next 3 months, going to close Cap One , and try for CLIs on a couple other cards.

Congrats on the increase!! Almost there at 760!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
john398
Posts: 3,507
Registered: ‎01-19-2009

Re: Walmart TU scores are updated

I was a little dispointed walmart pulled the score so early in the month and my score went down about 6 pts however should be up next month

Regular Contributor
Juss11
Posts: 186
Registered: ‎10-16-2011

Re: Walmart TU scores are updated

I went from a 637 - 643. In Oct I was a 586, so its comming up. I pulled my TU from here and its a 674. Anyone know which version Barclays pulls? I was thinking of trying for a apple card.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Walmart TU scores are updated


Juss11 wrote:

I went from a 637 - 643. In Oct I was a 586, so its comming up. I pulled my TU from here and its a 674. Anyone know which version Barclays pulls? I was thinking of trying for a apple card.


Barclays primarily pulls TU and I believe they use their own "in house" scoring model.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Braydon
Posts: 59
Registered: ‎05-20-2011

Re: Walmart TU scores are updated

My Walmart FICO went from 700 last month to 731 this month even after 2 hard pulls in Feb. And something else I dont understand my EQ FICO also went up from 666 to 685 this month? I don't get it I thought both scores would drop like a rock after those two HP's. I think credit scores rank right up there with the universe..we all know it exists but we can't explain it..:smileyhappy:


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